System and method for using intelligent codes in conjunction with stored-value cards

Abstract

A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.

What is claimed is: 
     
       1. A method performed by a processor computer device having a processor and executable instructions stored on a non-transitory computer readable medium which, when executed by the processor, causes the processor computer device to perform the method, the method comprising:
 receiving, by the processor computer device, a request to purchase an electronic stored-value card from a user device, the request comprising intelligent code information obtained from an intelligent code scanned by the user device; 
 transforming, by the processor computer device, received intelligent code information into a point of sale scannable barcode, wherein the point of sale scannable barcode comprises purchase information of the electronic stored value card for activating the electronic stored value card and determining the electronic stored-value card's identity and price; 
 providing, by the processor computer device, the point of sale scannable barcode to the user device in response to the request; 
 establishing, by the processor computer device, an electronic stored-value card shopping cart upon receipt of the intelligent code; 
 placing, by the processor computer device, the electronic stored-value card in the electronic stored-value card shopping cart; 
 receiving, by the processor computer device, a purchase verification for the electronic stored-value card, wherein the purchase verification is subsequent to, and generated in response to, a point of sale scan of the point of sale scannable barcode displayed on the user device; and 
 providing, by the processor computer device, the electronic stored-value card in an activated state to a user or a third-party recipient in response to receiving the purchase verification. 
 
     
     
       2. The method of  claim 1 , further comprising:
 receiving, by the processor computer device, barcode information for the electronic stored-value card from an issuer of the electronic stored-value card; and 
 associating, by the processor computer device, the intelligent code with the barcode information. 
 
     
     
       3. The method of  claim 1 , further comprising:
 pausing, by the processor computer device, the electronic stored-value card shopping cart; and 
 unpausing, by the processor computer device, the electronic stored-value card shopping cart. 
 
     
     
       4. The method of  claim 1 , further comprising adding, by the processor computer device, the electronic stored-value card to an electronic wallet. 
     
     
       5. The method of  claim 1 , wherein the intelligent code is obtained from a stored-value card kiosk. 
     
     
       6. The method of  claim 5 , wherein the kiosk is located at the same merchant as the point of sale. 
     
     
       7. The method of  claim 1 , wherein the intelligent code does not comprise information used to redeem, activate, reload, or use the electronic stored-value card. 
     
     
       8. The method of  claim 1 , wherein the purchase verification comprises an activation request. 
     
     
       9. A system comprising:
 a processor computer device having a processor and executable instructions stored on a non-transitory computer readable medium which, when executable by the processor, causes the processor computer device to:
 receive a request to purchase an electronic stored value card from a user device, the request comprising intelligent code information obtained from an intelligent code scanned by the user device, 
 transform received intelligent code information into a point of sale scannable barcode, wherein the point of sale scannable barcode comprises purchase information of the electronic stored value card for activating the electronic stored value card and determining the electronic stored value card's identity and price; 
 provide, to the user device, the point of sale scannable barcode in response to the request; 
 establish an electronic stored-value card shopping cart upon receipt of the intelligent code; 
 place the electronic stored-value card in the electronic stored-value card shopping cart; 
 receive a purchase verification for the electronic stored-value card, wherein the purchase verification is subsequent to, and generated in response to, a point of sale scan of the point of sale scannable barcode displayed on the user device; and 
 provide the electronic stored-value card in an activated state to a user or a third-party recipient in response to receiving the purchase verification. 
 
 
     
     
       10. The system of  claim 9 , the processor computer device to:
 receive barcode information for the electronic stored-value card from an issuer of the electronic stored-value card, and 
 associate the intelligent code with the barcode information. 
 
     
     
       11. The system of  claim 9 , the processor computer device to:
 pause the electronic stored-value card shopping cart, and 
 unpause the electronic stored-value card shopping cart. 
 
     
     
       12. The system of  claim 9 , the processor computer device to add the electronic stored-value card to an electronic wallet. 
     
     
       13. The system of  claim 9 , wherein the intelligent code is obtained from a stored-value card kiosk. 
     
     
       14. The method of  claim 13 , wherein the kiosk is located at the same merchant as the point of sale. 
     
     
       15. The system of  claim 9 , wherein the intelligent code does not comprise information used to redeem, activate, reload, or use the electronic stored-value card. 
     
     
       16. The system of  claim 9 , wherein the purchase verification comprises an activation request.